CreditReversify · Consumer guide
How to get and review your credit reports
Reviewing your reports can help you spot information that is incomplete or does not look right. These steps point to free reports and official guidance from the Federal Trade Commission and Consumer Financial Protection Bureau.
Get free reports at AnnualCreditReport.comCreditReversify’s planned review and repair services are still being set up and are not available. This guide links to independent official resources.
Get reports from all three bureaus
Use AnnualCreditReport.com to request reports from Equifax, Experian, and TransUnion. The FTC says each bureau offers a free online report every week through this site, which is the only website authorized to provide the free annual reports required by federal law. The FTC also explains phone and mail request options.[1]
Check each report for accuracy and completeness
Review each bureau’s report because they may contain different information. Compare entries with records you already have, and look for details that may be inaccurate, incomplete, or unfamiliar.[1][2]
- Identity details, such as your name, phone number, and addresses.
- Accounts you do not recognize, accounts shown as open when closed, or payment statuses that seem wrong.
- Payment and account dates, current balances, and credit limits.
- The same debt or account appearing more than once.
Find official instructions if something looks wrong
Start with the dispute instructions on your credit report or the CFPB’s guide. The CFPB generally recommends contacting both the credit reporting company and the business that supplied the information. Explain the specific item and why you believe it is wrong or incomplete.[3][4]
Include copies—not originals—of documents that support your explanation, and keep copies of what you send. The CFPB and FTC explain how to reach the bureaus and furnishers, what to include, and how to follow the process.[3][4]
Keep these references